From 1st July the Council of Mortgage Lenders is integrated into a new trade association, UK Finance. For the time being, all UKF mortgage information will continue to be published on this website, and UKF member-only mortgage information will only be available here.

UK Finance represents around 300 firms in the UK providing credit, banking, markets and payment-related services. The new organisation takes on most of the activities previously carried out by the Asset Based Finance Association, the British Bankers’ Association, the Council of Mortgage Lenders, Financial Fraud Action UK, Payments UK and the UK Cards Association. Please go to www.ukfinance.org.uk for wider content and updates from UK Finance.

Here you will find responses that we submitted before January 2018. This page is no longer being updated. For the latest mortgage consultation responses please go to the UK Finance website.


Search consultation responses

Consultation title Consulting body Summary Consulting period Status
The Financial Services Bill: the Financial Policy Committee's macro-prudential tools HMT The CML has responded to HMT’s consultation on The Financial Services Bill: the Financial Policy Committee’s macro-prudential tools. As part of our response we have raised some concerns. Firstly we... 11/12/12 - 11/12/12 Closed
Facing the future: Northern Ireland Housing Strategy 2012-17 DSDNI The CML has responded to the consultation on a housing strategy for Northern Ireland 2012-17. We are supportive of the main aim of the strategy to create a balanced housing market... 06/12/12 - 06/12/12 Closed
Regulatory Reform: The PRA and FCA regimes for Approved Persons: CP12/26 FCA The CML has responded to the FSA’s consultation on PRA and FCA regimes for Approved Persons. While the CML is supportive of the need to ensure that persons carrying out... 03/10/12 - 03/12/12 Closed
Regulatory fees and levies: policy proposals for 2013/14 FCA The CML has responded to the FSA’s consultation on regulatory fees and levies. As part of our response, we request that the FSA provide further clarity regarding the introduction of... 29/10/12 - 03/12/12 Closed
Developing an Energy Efficiency Standard for Social Housing SG CML Scotland has responded to the Scottish Government consultation on developing an energy efficiency standard for social housing. We believe that a sensible and pragmatic approach is being proposed for... 01/06/12 - 01/10/12 Closed
Homes that don't cost the earth: a consultation on Scotland's Sustainable Housing Strategy SG CML Scotland has responded to the Scottish Government consultation Homes that don't cost the earth: a consultation on Scotland's Sustainable Housing Strategy. While we are supportive of the vision and... 01/09/12 - 28/09/12 Closed
The Wheatley Review of LIBOR: initial discussion paper IB The CML has responded to the Wheatley Review of Libor. The initial discussion paper outlines to possible courses of action following the recent LIBOR scandal, either improving the calculation method... 03/08/12 - 28/09/12 Closed
Consultation on Proposed Community Empowerment and Renewal Bill SG CML Scotland has responded to the Scottish Government consultation on a proposed Community Empowerment and Renewal Bill. While welcoming moves to empower communities to be more involved in the decision... 07/06/12 - 25/09/12 Closed
Pay to stay: high income social tenants DCLG The CML has responded to the DCLG consultation on Pay to Stay proposals for high income social tenants. Although we have not commented on Pay to Stay, we believe these... 01/06/12 - 10/09/12 Closed
Banking Reform: Delivering Stability and Supporting a Sustainable Economy HMT The CML has responded to the HMT Treasury white paper on “Banking reform: delivering stability and supporting a sustainable economy". 01/06/12 - 06/09/12 Closed